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Scapia (Federal Bank) vs IDFC FIRST Wealth

Verified 18 sources

Your monthly spend

Scapia (Federal Bank) beats IDFC FIRST Wealth by ₹4,800 a year at ₹30,000 a month: ₹6,000 against ₹1,200, after fees

Scapia (Federal Bank) beats IDFC FIRST Wealth by ₹12,200 a year at ₹75,000 a month: ₹15,100 against ₹2,900, after fees

Scapia (Federal Bank) beats IDFC FIRST Wealth by ₹24,300 a year at ₹1.5 lakh a month: ₹30,200 against ₹5,900, after fees

Scapia (Federal Bank) beats IDFC FIRST Wealth by ₹48,700 a year at ₹3 lakh a month: ₹60,500 against ₹11,800, after fees

Scapia (Federal Bank) beats IDFC FIRST Wealth by ₹81,100 a year at ₹5 lakh a month: ₹1,00,800 against ₹19,700, after fees

Scapia (Federal Bank) credit card

Federal Bank

Scapia (Federal Bank)

Our verdict: Keep

IDFC FIRST Wealth credit card

IDFC FIRST Bank

IDFC FIRST Wealth

Our verdict: Keep

IDFC FIRST Wealth vs Scapia (Federal Bank): which should you pick?

The two lifetime-free cards every zero-forex thread pits against each other, and since IDFC's bank-wide MITC of 9 Sep 2026 prints NIL on foreign-currency spends, both now charge nothing abroad. Scapia pays 10 Scapia Coins per ₹100, worth 2% at the ₹0.20 house value and spendable only on travel booked in the Scapia app, and pays no coins abroad; Wealth pays IDFC points worth about 0.4% on everyday spend, 10X on dining, travel and international spends and up to 25 points per ₹100 on hotels booked in IDFC's app. Scapia out-earns Wealth at every spend level the page tests. Wealth opens more doors: one domestic and one international lounge visit a quarter plus four railway visits, against Scapia's unlimited domestic visits and none abroad, both on ₹20,000 of the previous month's spend.

At every spend from ₹25,000 to ₹5 lakh a month, Scapia (Federal Bank) beats IDFC FIRST Wealth, and its lead widens from ₹4,000 to ₹81,100 a year as spend climbs. At ₹75,000 a month the gap is mostly what each card earns on your spend: Scapia (Federal Bank) returns ₹15,100 a year in rewards to IDFC FIRST Wealth's ₹2,900. IDFC FIRST Wealth is the better pick if airport lounges matter more to you than the money: it gets you into 131 of the lounges we track to Scapia (Federal Bank)'s 74.

Scapia (Federal Bank) review IDFC FIRST Wealth review

Side by side

Scapia (Federal Bank) and IDFC FIRST Wealth, fact by fact
FactScapia (Federal Bank)IDFC FIRST Wealth
Can you get itOpen to applyOpen to apply
Fee (joining · annual, + GST)₹0 — lifetime free₹0 — lifetime free
Fee waiverNoneNone
Reward rate on everyday spend2.0%✓ Better0.4%
PointsScapia CoinsIDFC FIRST Reward Points
Our value per point₹0.20₹0.25 †
Transfer partnersNoneNone
Lounges it gets you into74 of 792131 of 792✓ Better
Forex markupNilNil
Welcome benefitNone — lifetime free with no joining bonus; the 0% forex is the pitch₹500 gift voucher from a choice of top brands on ₹5,000 spent within 30 days of card generation, plus 5% cashback capped at ₹1,000 on a first EMI transaction — IDFC bills the pair as ₹1,500; a nudge, not a bonus

✓ Better marks the side that wins a row; rows that compare unlike things are not scored. Scapia (Federal Bank) is ahead on 7 of the 8 rows we can call.

More facts 8 rows
Rank, verdict, lounge visits and fine print
FactScapia (Federal Bank)IDFC FIRST Wealth
Our rank#34✓ Better#207
Our verdictKeepKeep
Lounge visits in IndiaUnlimited1/quarter + 4 railway/quarter, at the 46 rooms on IDFC's own 48-row EliteAssist list that this map carries
Lounge visits abroadNone1/quarter
Forex, in the bank’s wordsNil — 0% markup (official KFS)Nil — bank-wide MITC dated 9 Sep 2026 prints NIL on foreign-currency and DCC/SCC transactions
Interest (APR)3.75%/mo (45%/yr), from date of transaction; same rate on cash advances (no interest-free period on cash)Dynamic 0.71%–3.85%/mo (8.5%–46.2%/yr); overdue rate 3.99%/mo (47.88%/yr) on MAD non-payment
Income needed (salaried)not published₹36L+/yr (official eligibility)
Income needed (self-employed)not published₹36L+/yr (official eligibility)

† IDFC FIRST Wealth: Wealth redeems the IDFC point at a flat ₹0.25 — the house value exactly. Its app-travel perk is 20%/10% BONUS points (hotels/flights), not a higher per-point value like Mayura's ₹0.50. That bonus is ADDITIVE, not a multiplier: IDFC's own rewards T&C tables Base Earn (A) "Up to 5% Reward Points" + Bonus (B) "20% Reward Points" = Total (A+B) "Up to 25% Reward Points", and the product-page FAQ states it in absolute points — "Hotel bookings via the IDFC FIRST Mobile App earn 40 bonus points per ₹200 spent". More points, never dearer ones.

Our value per point is what we think a point is worth when you use it well; every currency's figure and its reasoning is on points values.

What each is worth to you

A year of rewards and bonuses, after the fee
Monthly spendScapia (Federal Bank)IDFC FIRST Wealth
At ₹30,000 a month₹6,000✓ Better₹1,200
At ₹75,000 a month₹15,100✓ Better₹2,900
At ₹1.5 lakh a month₹30,200✓ Better₹5,900
At ₹3 lakh a month₹60,500✓ Better₹11,800
At ₹5 lakh a month₹1,00,800✓ Better₹19,700
Pays for itself fromThe first rupeeThe first rupee

On an everyday mix of spending (groceries, bills, travel, fuel and the rest), using each card's own rules for each kind of spend. The same figures as each card's own page.

Every spend from ₹25,000 to ₹5 lakh 20 steps
Scapia (Federal Bank) and IDFC FIRST Wealth at each ₹25,000 step
Monthly spendScapia (Federal Bank)IDFC FIRST WealthAhead
₹25,000₹5,000✓ Better₹1,000Scapia (Federal Bank) by ₹4,000
₹50,000₹10,100✓ Better₹2,000Scapia (Federal Bank) by ₹8,100
₹75,000₹15,100✓ Better₹2,900Scapia (Federal Bank) by ₹12,200
₹1 lakh₹20,200✓ Better₹3,900Scapia (Federal Bank) by ₹16,300
₹1.25 lakh₹25,200✓ Better₹4,900Scapia (Federal Bank) by ₹20,300
₹1.5 lakh₹30,200✓ Better₹5,900Scapia (Federal Bank) by ₹24,300
₹1.75 lakh₹35,300✓ Better₹6,900Scapia (Federal Bank) by ₹28,400
₹2 lakh₹40,300✓ Better₹7,900Scapia (Federal Bank) by ₹32,400
₹2.25 lakh₹45,400✓ Better₹8,800Scapia (Federal Bank) by ₹36,600
₹2.5 lakh₹50,400✓ Better₹9,800Scapia (Federal Bank) by ₹40,600
₹2.75 lakh₹55,400✓ Better₹10,800Scapia (Federal Bank) by ₹44,600
₹3 lakh₹60,500✓ Better₹11,800Scapia (Federal Bank) by ₹48,700
₹3.25 lakh₹65,500✓ Better₹12,800Scapia (Federal Bank) by ₹52,700
₹3.5 lakh₹70,600✓ Better₹13,800Scapia (Federal Bank) by ₹56,800
₹3.75 lakh₹75,600✓ Better₹14,700Scapia (Federal Bank) by ₹60,900
₹4 lakh₹80,600✓ Better₹15,700Scapia (Federal Bank) by ₹64,900
₹4.25 lakh₹85,700✓ Better₹16,700Scapia (Federal Bank) by ₹69,000
₹4.5 lakh₹90,700✓ Better₹17,700Scapia (Federal Bank) by ₹73,000
₹4.75 lakh₹95,800✓ Better₹18,700Scapia (Federal Bank) by ₹77,100
₹5 lakh₹1,00,800✓ Better₹19,700Scapia (Federal Bank) by ₹81,100
How we work out the yearly value

We put each card through the same everyday mix of spending, apply that card's own rules for each kind of spend (some earn nothing on fuel or bills), add its milestone and renewal bonuses at our value per point, and take off the fee unless that spend waives it. Bonus categories that need you to shop a certain way are not counted. Your own mix will differ: try your numbers in the calculator, or read how we value cards.

Before you choose

Transfer partners 0 and 0

Scapia (Federal Bank)'s Scapia Coins cannot be moved to any airline or hotel; IDFC FIRST Wealth's IDFC FIRST Reward Points cannot be moved to any.

Every partner and ratio is on each card's page; the best value for your points is on the transfer optimizer.

Watch out 6 points

Scapia (Federal Bank)

  • Coins spend ONLY on Scapia-app travel — no cashback, no transfers, app-dependency risk
  • Feb-2026 nerf: lounge bar doubled to ₹20k/month; insurance & utility earn killed
  • Zero coins on international spends — abroad it's purely a 0%-forex card

1 more on its page

IDFC FIRST Wealth

  • Points redeem at ₹0.25 flat — no ₹0.50 app-travel value; app travel pays bonus points instead
  • Base earn is 0.375%; only dining, travel and international spends reach 1.25%
  • Points now expire 24 months after they're credited — the 18-Jun-2026 revision ended the never-expire promise

4 more on its page

Common questions 5 answered

Which is better, Scapia (Federal Bank) or IDFC FIRST Wealth?

At every spend from ₹25,000 to ₹5 lakh a month, Scapia (Federal Bank) beats IDFC FIRST Wealth, and its lead widens from ₹4,000 to ₹81,100 a year as spend climbs. At ₹75,000 a month the gap is mostly what each card earns on your spend: Scapia (Federal Bank) returns ₹15,100 a year in rewards to IDFC FIRST Wealth's ₹2,900. IDFC FIRST Wealth is the better pick if airport lounges matter more to you than the money: it gets you into 131 of the lounges we track to Scapia (Federal Bank)'s 74.

Scapia (Federal Bank) or IDFC FIRST Wealth: which is worth more at ₹3 lakh a month?

Scapia (Federal Bank) beats IDFC FIRST Wealth by ₹48,700 a year at ₹3 lakh a month. Both figures are a year's rewards and bonuses on an everyday spending mix, after the fee.

Which costs less to get, Scapia (Federal Bank) or IDFC FIRST Wealth?

They cost the same: ₹0 — lifetime free. Scapia (Federal Bank) has no fee waiver; IDFC FIRST Wealth has no fee waiver.

Which gets you into more airport lounges, Scapia (Federal Bank) or IDFC FIRST Wealth?

IDFC FIRST Wealth: 131 of the 792 lounges we track, against 74 for Scapia (Federal Bank). Visit limits and guest charges differ by card; each card's page lists them.

How current is this comparison?

Scapia (Federal Bank) was last checked against its bank's own documents on 20 Oct 2026, IDFC FIRST Wealth on 26 Oct 2026. Every figure here is worked out again from those records each time the site is built, so a change to either card shows up the day we log it.

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Sources

Scapia (Federal Bank) was last checked against its bank's own documents on 20 Oct 2026, IDFC FIRST Wealth on 26 Oct 2026. Every fact above comes from these 18 documents; the banks' own are marked official. A fact a bank does not publish shows as "not published", never as zero.

The documents 18 sources
  1. Official Product page — "Zero joining and annual fees", "Zero forex markup on all international transaction" read
  2. Official Key Fact Sheet PDF v11 (30-04-2026) — Nil fees, 0% forex, 3.75%/mo APR, late-fee slabs, cash advance 2.5% min ₹500, rent/wallet/fuel/utility 1% fees read
  3. Official Scapia site — redemption scope (flights/hotels/trains/buses), UPI 5% read
  4. Community CardInsider — Feb-2026 nerf (₹20k gate, insurance/utility/telecom earn killed 27-Feb-2026, 36-month expiry) read
  5. Official Scapia summer release — dual Visa + RuPay cards on one account (Jun-2025) read
  6. Official IDFC cardholder notice, 13 September 2026 — withdraws the 9 September cut: reward points continue on international transactions "as applicable for the respective cards" read
  7. Official IDFC cardholder notice, 9 September 2026 — announced international earn would stop on 26 October 2026; withdrawn by the bank's 13 September notice, so it never took effect read
  8. Official Bank-wide MITC (reissued 9 Sep 2026) — Wealth Nil joining/annual; forex NIL bank-wide ("Markup Charges on Foreign currency transactions and Dynamic & Static Currency Conversion Transactions** — NIL") read
  9. Official Domestic lounge list — the 48 rooms the quarterly visit can be spent at, addresses and terminals included read
  10. Official Product page + FAQs (lifetime free, Visa Infinite; the page body now says Zero Forex Markup, matching the MITC's NIL, though one FAQ line still reads 1.5%; income ₹36L+) read
  11. Official Rewards T&C PDF (10 RP/₹200 on dining/travel/international, 3 RP/₹200 other incl. rent/government/wallet/education) read
  12. Official Superseded rewards T&C, archived 13-Feb-2026 (the pre-Jun-2026 construct — 10 RP/₹200 on incremental spends above ₹20,000 a cycle; Table 2.3 Base Earn (A) "Up to 5%" + Bonus) read
  13. Official 18-Jun-2026 change notice PDF ("Earlier, 10X rewards were only unlocked after spending ₹20,000 in a billing cycle" — now from the first eligible dining/travel/international) read
  14. Official Jan-2026 change notice PDF — (base ₹150→₹200; 1.5% forex; FASTag past ₹10k and railway past ₹25k a cycle draw a 1% fee; lounge/golf 1+1+1 per quarter on a ₹20k previous-month) read
  15. Community CardInsider review read
  16. Official FIRST Digital RuPay add-on (UPI) page read
  17. Community TechnoFino — Select→Wealth customer-care upgrade route read
  18. Community CardMaven — upgrade SR ("without limit enhancement"), low-limit approvals, LTF carries read

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